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Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,352 | $88,203-96.2% | $165,100-98.0% | $74,478-95.5% |
| Participation rate | 88.0% | 73.1%+14.9pp | 78.6%+9.4pp | 67.2%+20.8pp |
| Annual return | 0.00% | 17.13%-17.1pp | 70.21%-70.2pp | 1370.56%-1370.6pp |
| Employer contribution / active EE | $1,481 | $2,601-43.1% | $4,348-65.9% | $2,626-43.6% |
| Participant deferral / active EE | $2,123 | $4,505-52.9% | $6,035-64.8% | $4,350-51.2% |
| Admin fee / account holder | $5 | $2,235-99.8% | $12,696-100.0% | $1,946-99.8% |